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Mortgages for Self-Employed

Why choose a Mortgage Specialist to find you a mortgage?

Have you always believed that being self-employed would make it harder or even near impossible for you to obtain a mortgage?

Before the credit crunch in 2007, self-employed could apply for a self-certification mortgage, lenders didn't require the borrower to prove their income they would lend on what was earned and applications could be fast-tracked with no checks being made.

Gone are the days of self-certification mortgages, which were designed for and allowed those who were self-employed to get a loan relatively easy.  Although we are now governed by tighter regulations, obtaining a mortgage is still achievable.

How can we help you?

The Mortgage Brain in Gloucester have over 30 years' experience in helping the self-employed obtain mortgages. We work with lenders who have a better understanding of the self-employed payment structure. Using their standard multiplier on your annualised earnings we can determine the maximum amount they will lend you.

Just become self-employed or have less than 3 years' accounts?

The good news is, it's still possible for you to apply for a mortgage. The process is simple and can often quicker than those who are employed as all you need to supply is:

  • A signed copy of your current contract, displaying your rate
  •  An up-to-date copy of your CV confirming your employment history
  • The last 3 months bank statements confirming your contract earnings
  • Proof of ID, passport, utility bill or driving license

Contact The Mortgage Brain today, one of our experienced advisors will be happy to talk you through the process. You might have that mortgage sooner than you thought was possible.

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